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These Highland Bank cash management services can help your business perform better than ever by increasing operating efficiencies and improving your ROI.
In combination with Digital Banking and Mobile Banking services, you’ll find your money working harder than ever for you!
Business Remote Deposit utilizes a desktop scanner that connects to your PC and the Internet. This compact device enables you to scan checks and submit deposits to your Highland Bank accounts from the comfort and convenience of your office.
The Automated Clearing House (ACH) is an electronic payment system designed to serve depository financial institutions and their customers. ACH streamlines your payment process and eliminates the costs associated with check processing. It expedites payments, improves your cash flow, and benefits your employees or vendors.
Electronically pay employees wages for payroll or reimbursements, pay dividends to investors or pay vendor invoices. You can also collect payments such as fees, dues, or donations.
ACH transactions can be easily created using our Internet based product with the option of initiating the transactions manually or using a file download from the accounting software used by your company.
Highland Banks ACH Exception Management Processing tool helps to protect you from becoming a victim of Corporate Account Takeover. Exception Management Processing allows for systematic comparison on every outgoing ACH credit entry against an “approved list” of payment recipients. If no exceptions are identified by the system all entries are processed accordingly. If an exception is identified that is not on the “approved list”, an out-of-band alert message is sent to the Originator. The Originator then has the option to approve the exception and add to the “approved list” or reject the entire ACH Credit File.
Prevent fraudulent ACH debits from posting to your business accounts through debit blocks and filters.
Highland Banks ACH Alert service allows you to control pay/no pay decisions for incoming ACH debits. This real-time service allows you to easily identify trusted trading partners and create an “approved list”.
When ACH Alert identifies an exception to the “approved list” the system sends a message to the subscriber. You then have the ability to approve or decline debit entries before final posting to your account.
Positive Pay is a service that allows Highland Bank’s customers the opportunity to make decisions on checks that have been presented for payment against their checking account.
Customers have control on the checks that are questionable and make the decision to pay or return them before they post to the account(s).
Move funds between banks on the same day. Originate wire transfers using Business Online Banking or by visiting one of our convenient locations.
We offer both domestic and foreign wire transfers.
Save time and money by paying bills online. View and manage all your business’s monthly payments in one place.
Enjoy the convenience of being able to accept credit cards offered through the VISA, MasterCard, American Express or Discover networks.
Highland Bank has partnered with First Financial Merchant Services to offer the most advanced payment processing technology available for your merchant credit card payments. Together, we work with you to design an electronic payment system to match your business needs.
Credit card processing is available by using a terminal, over the Internet or even through a wireless connection.
Accelerate your accounts receivable collection process with the Lockbox service. The Lockbox service provides a centralized collection point for the collection of your paper based payments. Clients mail their payments to your company via the Highland Bank designated Post Office Box.
The payments are picked up early in the morning, processed according to your instructions, and credited to your account that day. Deposit information is available through Highland Bank’s secure lockbox online portal.
Obtain the additional information contained within an ACH transaction clearing through your account. This information can be an invoice number, discount information, client names, etc.
Improve productivity by requesting that your statements, check images and account information be sent to you monthly or annually. Perfect for long-term storage, when you receive all of your paid check images, you save not only storage space, but also precious time as well.
Attach your existing line of credit to your business checking account for automatic advances, as needed.
Optimize your available funds!
Advance and pay down a line of credit automatically as needed.
Earn interest on funds above a predetermined balance amount which are automatically moved into a high yielding secure investment instrument.
Increase cash resources while you reduce idle funds or excess balances and overdrafts. As checks clear the ZBA designated accounts at the bank, funds are automatically moved to cover the balances. When your business uses a number of accounts to segregate money, ZBA are the fastest, most cost effective way to manage your account balances.
NMLS ID # 478369 | Routing # 091916378 | SWIFT/BIC Code: HIGAUS44
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